Personal Finance Department , Lucie speaking , how may I help ?   Hello there . I need some advice about personal finance . Could you help me please ?   That's no problem . What exactly would you like to know ?   Well , I've been very busy recently and I'm having trouble keeping up to date with everything , so I just wondered what exact service you offer .   We have a wonderful new service which provides a wide range of banking services , 24/7 , wherever you are .   That sounds perfect and just what I'm looking for . 